Interbank
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Data as of · sourced from FFIEC call reports. How we update
Interbank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1988 (FDIC certificate 27210), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.33B, up 6.4% from Q2 2025, the 6th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27210
- Headquarters
- Oklahoma City, OK
- Established
- 1988
- Total assets, Q2 2026
- $5.33B
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 11.06%
- Domestic offices
- 47 FDIC institution directory, current count
- Routing number
- 103000703
- Latest call report
- Q2 2026, FFIEC 041 · Interbank call report
- Holding company
- OLNEY BANCSHARES OF TEXAS, INC.
- Asset rank in state
- 6th of 169 in Oklahoma
Problem loans are rising at Interbank. Based in Oklahoma City, Oklahoma, it had $5.3 billion in assets at June 30, 2026, up 6.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.56% of loans from 0.67% a year earlier. It earns about $3.36 a year on every $100 of assets, 2.6 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
The non-owner-occupied commercial real estate book ($1.6 billion) is worsening: 3.45% of it is past due or on nonaccrual, up from 0.74% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 4.3 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, Interbank reported a return on assets of 3.36%, a nonperforming-loan ratio of 1.56% and a Texas ratio of 12.20%. The figures come from its call report filed with the FFIEC.
Interbank ranks as the 6th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $5.33B, loans fell 2.3% and deposits fell 5.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 33.3% of total loans, followed by commercial and industrial loans at 28.0%. Its 45 offices in the FDIC Summary of Deposits are in 36 cities across 2 states; its Dallas 2 offices book 16% of its branch deposits. Judged on its Q2 2026 call report, Interbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4921 N May Ave, Oklahoma City, OK 73112
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- March 31, 1988
- Former names
- Union Bank (2008-2010); Union Bank, National Association (2001-2008)
- Domestic offices
- 47 FDIC institution directory, current count
- Employees (FTE)
- 506
- Domestic deposits
- $4.56B
- Allowance for credit losses
- $36.2M
- Net charge-offs (YTD)
- $163K
- Average total assets
- $5.31B
- Average total loans
- $4.76B
- Average interest-bearing deposits
- $3.66B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 31, 1988
- FDIC Cert
- 27210
- Fed RSSD
- 1187001
- SEC CIK
- 927272 → filed by OLNEY BANCSHARES OF TEXAS, INC.
- Website
- www.interbank.com →
- Parent Holding Company
- OLNEY BANCSHARES OF TEXAS, INC. (RSSD 2233950)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Interbank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Interbank's total assets ran between $4.32B (Q3 2023) and $5.48B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.33B total assets against $5.01B; $4.67B total liabilities against $4.41B.
$4.71B net loans and leases against $4.36B; $4.56B total deposits against $4.34B.
$0 securities against $0; $410.6M cash and balances due against $436.2M.
$89.4M total interest income against $87.5M; $25.4M total interest expense against $25.3M.
$64.0M net interest income against $62.3M.
$3.1M total noninterest income against $4.9M; $22.6M total noninterest expense against $21.6M.
$0 provision for credit losses against $0.
$44.6M net income against $45.6M.
3.36% return on assets against 3.81%; 4.97% net interest margin against 5.38%.
11.06% tier 1 leverage ratio against 10.87%.
Inside the full Interbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Interbank rankings
Its closest position to the top of a national ranking is 45 of 3,611, for ROA; its furthest is 261 of 980, for uninsured deposits.
Metric pages for Interbank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.16% (Q1 2026) to 3.81% (Q2 2025) and its net interest margin ran from 4.72% (Q1 2026) to 5.87% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.06% | 3.36% | 1.56% | 12.20% | 4.97% |
| Q1 2026 | 10.40% | 3.16% | 1.52% | 12.53% | 4.72% |
| Q4 2025 | 10.07% | 3.43% | 0.56% | 4.81% | 5.00% |
| Q3 2025 | 10.85% | 3.61% | 0.59% | 4.78% | 5.26% |
| Q2 2025 | 10.87% | 3.81% | 0.67% | 5.45% | 5.38% |
| Q1 2025 | 10.75% | 3.67% | 0.66% | 5.32% | 5.38% |
| Q4 2024 | 10.26% | 3.72% | 0.46% | 3.71% | 5.60% |
| Q3 2024 | 11.83% | 3.30% | 0.47% | 3.29% | 5.87% |
Swipe the table sideways to see every column.
Branch Network
View all 45 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Park Cities Branch | Dallas , TX | 75206 | $669.7M |
| Interbank (main office) | Oklahoma City , OK | 73112 | $385.3M |
| Hbank Texas Branch | Grapevine , TX | 76051 | $378.3M |
| Fort Worth Office Branch | Fort Worth , TX | 76107 | $354.7M |
| First National Bank of Throckmorton Branch | Throckmorton , TX | 76483 | $270.3M |
| Glen Rose Branch | Glen Rose , TX | 76043 | $210.4M |
| Waxahachie Branch | Waxahachie , TX | 75165 | $176.3M |
| Main Kingfisher Branch | Kingfisher , OK | 73750 | $168.7M |
| Stephenville Branch | Stephenville , TX | 76401 | $157.8M |
| Graham Branch | Graham , TX | 76450 | $145.8M |
| Enid Branch | Enid , OK | 73703 | $139.1M |
| El Reno Branch | El Reno , OK | 73036 | $123.1M |
| Breckenridge Branch | Breckenridge , TX | 76424 | $117.2M |
| Guthrie Branch | Guthrie , OK | 73044 | $100.6M |
| Olney Branch | Olney , TX | 76374 | $94.4M |
| Elk City Branch | Elk City , OK | 73644 | $92.0M |
| Coleman Branch | Coleman , TX | 76834 | $90.0M |
| Hennessey Branch | Hennessey , OK | 73742 | $83.8M |
| Seymour Branch | Seymour , TX | 76380 | $79.6M |
| Clinton Branch | Clinton , OK | 73601 | $78.2M |
| Midlothian Branch | Midlothian , TX | 76065 | $69.9M |
| Friona Branch | Friona , TX | 79035 | $59.9M |
| Canadian Branch | Canadian , TX | 79014 | $59.0M |
| Sayre Branch | Sayre , OK | 73662 | $57.0M |
| Yukon Branch | Yukon , OK | 73099 | $47.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 12, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2015 | Structure Change | Acquired The First National Bank of Throckmorton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 9, 2015 | Structure Change | Acquired Vintage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2015 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 7, 2015 | Structure Change | Acquired HBank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired Park Cities Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2013 | Structure Change | Acquired Town and Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 14, 2011 | Structure Change | Acquired First National Bank of Borger Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2010 | Structure Change | Acquired Citizens National Bank of Breckenridge Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 29, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 29, 2007 | Structure Change | Acquired Rose Rock Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1992 | Structure Change | Acquired First Western Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1988 | Structure Change | Acquired Union Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 4 against individuals associated with it
- Period: Most recent action May 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in OK, rank 17 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 426 applications, 310 loans originated, $178.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Interbank
What are Interbank's total assets?
As of the Q2 2026 filing, Interbank reported total assets of $5.33 billion in its FFIEC call report.
Where is Interbank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Interbank founded?
It was established in 1988, per the FDIC institution directory.
Is Interbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Interbank?
Interbank's primary federal regulator is the Federal Reserve.
How many branches does Interbank operate?
It operates 47 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Interbank's Texas Ratio?
Its Texas Ratio is 12.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Interbank previously called?
The charter now named Interbank has also operated as Union Bank (2008-2010), Union Bank, National Association (2001-2008), per FDIC structure-change records.
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